1938 Packard Posted March 14, 2018 Share Posted March 14, 2018 First time in more than fifteen years, shopping with an in store credit card. First bill came in at over $400. Couldn't beat the interest terms - 0% for six months when the balance is paid in full within that time. Minimum monthly payments won't clear the balance on time. Puh... I just paid it all off in one shot. Great pendant, by the way. 1 Link to comment Share on other sites More sharing options...
Clu Posted March 14, 2018 Share Posted March 14, 2018 1 minute ago, 1938 Packard said: First time in more than fifteen years, shopping with an in store credit card. First bill came in at over $400. Couldn't beat the interest terms - 0% for six months when the balance is paid in full within that time. Minimum monthly payments won't clear the balance on time. Puh... I just paid it all off in one shot. Great pendant, by the way. The fact that you need to use credit for $400 says a lot about your baller status pimpin. 1 1 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 6 minutes ago, Clu said: The fact that you need to use credit for $400 says a lot about your baller status pimpin. Who said I "needed" to? Didn't you get the part about my paying it all off in a single shot? This is just part of how I keep my credit score in range for a house purchase. Paying cash for the pendant wouldn't do that for me. Link to comment Share on other sites More sharing options...
Clu Posted March 14, 2018 Share Posted March 14, 2018 Nope. So credit is defined as your ability to pay debt over a period of time, not paying it all off in the same bill period. You think credit card companies lose? Nope. You hurt your credit by paying it all off actually, much like paying a car off earlier than the agreed upon terms. See? You're a janitor... I'm a banker, a successful one. 3 1 Link to comment Share on other sites More sharing options...
bnmjy Posted March 14, 2018 Share Posted March 14, 2018 (edited) Citi has a two percent cash back card. Much better than that deal of yours. Edited March 14, 2018 by bnmjy 1 Link to comment Share on other sites More sharing options...
André Toulon Posted March 14, 2018 Share Posted March 14, 2018 16 minutes ago, 1938 Packard said: Puh... I just paid it all off in one shot. It's like he's fucking 5 1 1 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 Just now, Clu said: Nope. So credit is defined as your ability to pay debt over a period of time, not paying it all off in the same bill period. You think credit card companies lose? Nope. You hurt your credit by paying it all off actually, much like paying a car off earlier than the agreed upon terms. See? You're a janitor... I'm a banker, a successful one. Then, why is my credit score over 800 right now? I read my reports often. I keep my cards zeroed out most of the time and the reports only reflect "high balance", meaning the highest ever owed on a single card. It doesn't reflect how I paid it. Link to comment Share on other sites More sharing options...
Swimmod_Luna Posted March 14, 2018 Share Posted March 14, 2018 I just got a new card that has 0% interest for 14 months... 1 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 Just now, Athena 92 said: I just got a new card that has 0% interest for 14 months... Super. Link to comment Share on other sites More sharing options...
Swimmod_Luna Posted March 14, 2018 Share Posted March 14, 2018 1 minute ago, 1938 Packard said: Super. Well you said you "couldn't beat the interest terms" of 0% for 6 months but clearly you can. 1 1 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 What did you end up buying? Link to comment Share on other sites More sharing options...
Clu Posted March 14, 2018 Share Posted March 14, 2018 38 minutes ago, 1938 Packard said: Then, why is my credit score over 800 right now? I read my reports often. I keep my cards zeroed out most of the time and the reports only reflect "high balance", meaning the highest ever owed on a single card. It doesn't reflect how I paid it. Post your score from all three bureaus 2 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 17 minutes ago, Clu said: Post your score from all three bureaus That IS all three bureaus. Link to comment Share on other sites More sharing options...
scoobdog Posted March 14, 2018 Share Posted March 14, 2018 Just now, 1938 Packard said: That IS all three bureaus. He said post it. Show us the proof. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 Just now, scoobdog said: He said post it. Show us the proof. Soliciting social security numbers and shit like that, now? Link to comment Share on other sites More sharing options...
tsar4 Posted March 14, 2018 Share Posted March 14, 2018 58 minutes ago, Clu said: Nope. So credit is defined as your ability to pay debt over a period of time, not paying it all off in the same bill period. You think credit card companies lose? Nope. You hurt your credit by paying it all off actually, much like paying a car off earlier than the agreed upon terms. See? You're a janitor... I'm a banker, a successful one. Sorry to disagree, but that's incorrect. Lots of factors go into your credit score and paying off an amount "over time" isn't one of them. The number of, age of and use of open lines of credit, paying off your bills on time (not over time), Liens, civil judgements, bankruptcies, and "Hard Inquiries" are what affect your score. Link to comment Share on other sites More sharing options...
scoobdog Posted March 14, 2018 Share Posted March 14, 2018 2 minutes ago, 1938 Packard said: Soliciting social security numbers and shit like that, now? You worried I'm going to steal from your broke ass? Link to comment Share on other sites More sharing options...
Clu Posted March 14, 2018 Share Posted March 14, 2018 3 minutes ago, tsar4 said: Sorry to disagree, but that's incorrect. Lots of factors go into your credit score and paying off an amount "over time" isn't one of them. The number of, age of and use of open lines of credit, paying off your bills on time (not over time), Liens, civil judgements, bankruptcies, and "Hard Inquiries" are what affect your score. With credit cards Mr wizard.... "Credit" is your ability to pay back over agreed upon terms... Not credit score. 1 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 How am I broke? Buying this pendant didn't stop any other financial dealings. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 6 minutes ago, tsar4 said: Sorry to disagree, but that's incorrect. Lots of factors go into your credit score and paying off an amount "over time" isn't one of them. The number of, age of and use of open lines of credit, paying off your bills on time (not over time), Liens, civil judgements, bankruptcies, and "Hard Inquiries" are what affect your score. Also, any outstanding balances from non credit sources could wreck scores as well. Like, if you don't pay your medical bills or let utility bills pile up and compound over several months. Link to comment Share on other sites More sharing options...
tsar4 Posted March 14, 2018 Share Posted March 14, 2018 4 minutes ago, Clu said: With credit cards Mr wizard.... "Credit" is your ability to pay back over agreed upon terms... Not credit score. Credit score as determined by said credit cards is used by banks and credit companies to determine a person's credit-worthiness. The OP was about a credit card and the inference was that such a credit card purchase would not help. Were that true, I would never have been able to purchase 2 of my past vehicles, my previous condo or the house I currently live in. Link to comment Share on other sites More sharing options...
Ginguy Posted March 14, 2018 Share Posted March 14, 2018 (edited) Let me get this straight Packard, you bought a wankster chain guaranteed to turn your neck green for $400 and are now dispensing financial advice to a banker.... I want to confirm that is what I am seeing. Edited March 14, 2018 by Ginguy 2 Link to comment Share on other sites More sharing options...
scoobdog Posted March 14, 2018 Share Posted March 14, 2018 9 minutes ago, 1938 Packard said: How am I broke? Buying this pendant didn't stop any other financial dealings. You ain't got shit: Let me just rattle this off: you live in an run down apartment, you get paid shit wages, you don't have a car. You're fucking broke. Now let's see that score. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 1 minute ago, scoobdog said: You ain't got shit: Let me just rattle this off: you live in an run down apartment, you get paid shit wages, you don't have a car. You're fucking broke. Now let's see that score. How about the house? Don't forget that. It was my credit that got it. Link to comment Share on other sites More sharing options...
scoobdog Posted March 14, 2018 Share Posted March 14, 2018 2 minutes ago, 1938 Packard said: How about the house? Don't forget that. It was my credit that got it. What house? You mean the one your brother is paying for through you? Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 4 minutes ago, Ginguy said: Let me get this straight Packard, you bought a wankster chain guaranteed to turn your neck green for $400 and are now dispensing financial advice to a banker.... I want to confirm that is what I am seeing. Any appraiser would say it's not a green neck. Besides, even if they did try to cheat, the certificate they gave me entitles me to a refund, enforceable in small claims court. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 Just now, scoobdog said: What house? You mean the one your brother is paying for through you? He wouldn't have that without my credit. Link to comment Share on other sites More sharing options...
scoobdog Posted March 14, 2018 Share Posted March 14, 2018 1 minute ago, 1938 Packard said: He wouldn't have that without my credit. Doesn't mean you aren't broke. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 3 minutes ago, scoobdog said: Doesn't mean you aren't broke. I'm either broke or I have a house in my name. Choose. You can't have both. Link to comment Share on other sites More sharing options...
scoobdog Posted March 14, 2018 Share Posted March 14, 2018 That's not how this works, shit for brains. Lets see some proof you got this impossibly amazing credit score. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 4 minutes ago, scoobdog said: That's not how this works, shit for brains. Lets see some proof you got this impossibly amazing credit score. I'm not going to give you my SS number. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 22 minutes ago, Ginguy said: Let me get this straight Packard, you bought a wankster chain guaranteed to turn your neck green... Link to comment Share on other sites More sharing options...
scoobdog Posted March 14, 2018 Share Posted March 14, 2018 18 minutes ago, 1938 Packard said: I'm not going to give you my SS number. You can't Sharpie it out? You did for those faked plane ticket stubs. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 5 minutes ago, scoobdog said: You can't Sharpie it out? You did for those faked plane ticket stubs. It's online, Dingbat. Link to comment Share on other sites More sharing options...
André Toulon Posted March 14, 2018 Share Posted March 14, 2018 1 minute ago, 1938 Packard said: It's online, Dingbat. Not adept with paint......The program, not the chips. 2 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 14, 2018 Author Share Posted March 14, 2018 Just now, Noboru Yamaguchi said: Not adept with paint......The program, not the chips. It doesn't matter anyway... I could sit in his living room, use his computer to download and print it in front of him and he would still not believe it. Link to comment Share on other sites More sharing options...
scoobdog Posted March 15, 2018 Share Posted March 15, 2018 2 minutes ago, 1938 Packard said: It doesn't matter anyway... I could sit in his living room, use his computer to download and print it in front of him and he would still not believe it. You think so? That must be because it's not true, right? Your credit score is total shit isn't it? Link to comment Share on other sites More sharing options...
1938 Packard Posted March 15, 2018 Author Share Posted March 15, 2018 Just now, scoobdog said: You think so? That must be because it's not true, right? Your credit score is total shit isn't it? How did I get the house, then? Link to comment Share on other sites More sharing options...
stilgar Posted March 15, 2018 Share Posted March 15, 2018 You didn't. 1 Link to comment Share on other sites More sharing options...
scoobdog Posted March 15, 2018 Share Posted March 15, 2018 I've never seen that house. You would think you could at least take a fake photo of it. Link to comment Share on other sites More sharing options...
Ginguy Posted March 15, 2018 Share Posted March 15, 2018 34 minutes ago, 1938 Packard said: Does that say manufactured in Green Neck New York? 2 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 15, 2018 Author Share Posted March 15, 2018 2 minutes ago, Ginguy said: Does that say manufactured in Green Neck New York? Great Neck, NY. Use your zoom. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 15, 2018 Author Share Posted March 15, 2018 4 minutes ago, scoobdog said: I've never seen that house. You would think you could at least take a fake photo of it. I had linked to its photo and property tax records before. Link to comment Share on other sites More sharing options...
André Toulon Posted March 15, 2018 Share Posted March 15, 2018 45 minutes ago, 1938 Packard said: It doesn't matter anyway... I could sit in his living room, use his computer to download and print it in front of him and he would still not believe it. Sure, sure Link to comment Share on other sites More sharing options...
1938 Packard Posted March 15, 2018 Author Share Posted March 15, 2018 9 minutes ago, Noboru Yamaguchi said: Sure, sure Anyway the house speaks for me. Link to comment Share on other sites More sharing options...
scoobdog Posted March 15, 2018 Share Posted March 15, 2018 1 hour ago, 1938 Packard said: I had linked to its photo and property tax records before. Nuh uh. You say you did, but one remembers it. Link to comment Share on other sites More sharing options...
1938 Packard Posted March 15, 2018 Author Share Posted March 15, 2018 1 hour ago, scoobdog said: Nuh uh. You say you did, but one remembers it. One remembers it? Who was that? Link to comment Share on other sites More sharing options...
André Toulon Posted March 15, 2018 Share Posted March 15, 2018 (edited) 11 minutes ago, 1938 Packard said: One remembers it? Who was that? Why would we believe you remember posting anything when you can't even remember which poster you were talking to. Edited March 15, 2018 by Noboru Yamaguchi 3 Link to comment Share on other sites More sharing options...
1938 Packard Posted March 15, 2018 Author Share Posted March 15, 2018 6 minutes ago, Noboru Yamaguchi said: Why would we believe you remember posting anything when you can't even remember which poster you were talking to. Because you keep changing names, Buddy. 1 Link to comment Share on other sites More sharing options...
naraku360 Posted March 15, 2018 Share Posted March 15, 2018 6 hours ago, Noboru Yamaguchi said: It's like he's fucking 5 I think he thinks he saves money by paying 400 bucks at a slightly later time...? 1 Link to comment Share on other sites More sharing options...
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